<ARTICLE> 9
<MULTIPLIER>                                         1
<CURRENCY>                                U.S. DOLLARS
                                      
                                 
<PERIOD-TYPE>                        YEAR 
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-START>                             JAN-01-1994
<PERIOD-END>                               DEC-31-1994
                                       
<EXCHANGE-RATE>                                      1
<CASH>                                      82,763,000
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<INVESTMENTS-MARKET>                       231,461,000
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<LIABILITIES-OTHER>                         17,262,000
<LONG-TERM>                                 83,972,000
<COMMON>                                    29,886,000         
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<OTHER-SE>                                 149,860,000
<TOTAL-LIABILITIES-AND-EQUITY>           1,787,641,000
<INTEREST-LOAN>                             98,674,000
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<INCOME-PRETAX>                             37,998,000
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<CHANGES>                                            0
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<EPS-DILUTED>                                     2.08
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